The Hartford TV Spot, 'The Unexpected: Office Celebration'

The Hartford says it is there for small businesses when the unexpected happens... like when one office is getting ready for a celebratory party and the candles on the cake light the crepe paper on fire and set off the sprinkler system. A soggy office worker calls the insurance company to see if they are covered for the accidental damage (they are) and the fire-starting coworker hands her a piece of wet cake.